Apply now for a Personal Loan by Tata Capital

Personal Loans

Be it a loan for a holiday abroad, your child’s education loan, a loan for home renovation, a loan for a marriage or wedding in the family, repayment of an existing loan, an emergency or even buying that precious gift for your loved one, with Tata Capital’s easy Personal Loans, you don't have to worry about financing your dreams and responsibilities.


Flexi EMI Personal Loans


Flexi EMIs with Higher Loan Eligibility

Our Flexi EMIs with Higher eligibility makes your dream come true. Choose from multiple repayment options like Step Up, Step Down and Bullet repayment.


Instant Online Approvals

Get instant conditional approvals of up to Rs. 25 lacs on your personal loan through our online platform.


Minimum Documentation and Verification

With minimum documentation get a conditional online approval for our Personal Loan. Our executives will visit your residence and complete the KYC and documents process.


Security or Guarantors not Required

To obtain the Personal Loan, there is absolutely no need to provide any security.



Flexi EMI Personal Loans


Fulfil your dreams today. Pay as your grow.

When it comes to fulfilling dreams that are close to your heart, having multiple repayment options that suit your financial situation help. When you take a Flexi EMI Personal Loan with Tata Capital, you have the freedom to repay your way.



Multiple repayment options


Step Up Flexi EMI plan


This plan allows you to increase your fixed monthly EMIs every year to match the increase in your annual income. This gradual annual increase helps you repay your loan without taxing you financially.


Is it ideal for me?


If your EMIs are burning a hole in your pocket, this plan will give you the much-needed relief. It gives you the freedom to increase your EMI along with your yearly pay hike.


Suitable For:


•  Customers who see a healthy growth in their annual income


Step Down Flexi EMI plan

This plan allows you to start repaying your personal loan with a higher EMI and lower it year after year. Meaning you can repay faster and save up on finance costs.


Is it ideal for me?


Opt for this plan if you have a high disposable monthly income.  It is especially ideal if you are planning to retire and wish to build an asset quickly.


Suitable For:


•  Customers who have higher disposable monthly income.

•  Customers who are nearing their retirement age and thus want to build an asset quickly


Bullet Flexi EMI plan

This plan allows you to prepay your loan in parts at periodic intervals. These periodic payments will help lower your EMI considerably. Moreover, no charges will be levied on your prepayments.


Is it ideal for me?


If you are expecting a bonus or periodic increments on your regular income, this plan is apt for you.


Suitable For:


•  Customers who can periodically repay a large amount on their Car Loans, e.g.: with an annual bonus

•  Customers who get regular incentives in their income



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How to Apply

Now for salaried customers, we bring to you an Instant Online Personal Loan experience. All you need to do is share your basic information like your Income details and Employment Details, and we will conditionally approve your personal loan online.


Eligibility Criteria for Personal Loan

Any self-employed professional/individual between the age group 25-65 years can get a personal loan. A minimum income of Rs. 2,00,000 is required to avail a personal loan. We now offer personal loans till amounts as high as Rs. 15,00,000 with a loan tenure of up to 4 years. 

A salaried individual between the age group 21-58 can get a personal loan by showing a minimum income of Rs. 20,000 per month. The maximum personal loan amount for salaried individuals is also Rs. 25,00,000 but the loan tenure can extend up to 5 years.


Advantage of Taking Loan from Tata Capital

The main advantage of taking a personal loan from us is that you do not need to provide any collateral or security while taking the loan. The personal loan can be used for any personal use - repayment of an existing loan, home renovation, wedding in the family or your child’s education. Yes, Tata Capital does offer education loan to provide the much needed financial support to your deserving children for their higher education. With minimum paper work you can now get a personal loan to fulfill any dream/aspirations of yours or anyone special to you. Personal loans also come in handy to immediately payoff huge outstanding amounts on your credit cards or other bills. Short term cash needs are best fulfilled by taking a personal loan. A personal loan can also be used to fulfill a business need as well. Also an education loan will also help in making your child financially responsible in his early working years.


How to Repay

You can repay your personal loan through an electronic clearance system by asking your banker to deduct the EMI from your nominated bank account. You can also use post-dated cheques favouring Tata Capital Financial Services Limited to repay your personal loan.


How to Pre Pay

You can prepay the entire loan outstanding anytime after 180 days of availing the same. 

We also now offer part pre-payment facility without any additional charges.
•  Part payment is only permissible after 6 months of loan disbursal without any fee 

•  Maximum of 25% part payment is permissible within a year of taking the loan at zero charges

•  However for greater than 25% part payment, a 2% closure charge + applicable taxes would be applicable on the extra amount


So take an instant and move closer to your dreams. 

Apply Now


To download the Personal Loan Application Form, click here.



Personal Loans are originated and serviced by Tata Capital Financial Services Limited and are at its sole discretion. Flexi EMIs are applicable for salaried individuals only. Terms and conditions apply



Important Information


Recently there have been cases of fraud being committed under the name of Tata Capital or Tata Finance. Customers are requested to read the attached advisory and be aware of misleading advertisements in the newspapers.

Click here to read the advisory